In motion pictures in regards to the different half — rockstars, mobsters, CEOs — there’s typically a dinner scene at some low-lit restaurant with mahogany tables and white napkins. There are bottles of wine, huge steaks, and tuxedo-d waiters.

After which, on the finish, there’s a bank card… Which one, although? Which items of plastic (or metallic) do folks with Rolls-Royces roll with?

In all chance, most likely one of many playing cards under — probably the most unique bank cards obtainable.

The 5 Most Unique Credit score Playing cards

These prestigious bank cards present an instantaneous sign of your standing and wealth.

Most can be found solely by invitation, and provided that you meet sure necessities (like, say, being extremely wealthy). They arrive with top-tier perks, together with private concierge providers, and top-tier annual charges, some as excessive as $5,000.

Whereas these playing cards won’t be obtainable to most of us, it’s nonetheless enjoyable to think about the life that go along with them.

In case you’re searching for a baller rewards bank card you’ll be able to truly apply for, bounce all the way down to that part under.

For now, we’ll concentrate on probably the most elite bank cards round.

Probably the most well-known of the bunch is the Centurion Card from American Specific, generally often called the Amex Black Card.

You received’t discover particulars or an utility on-line; as an alternative, Amex should invite you to use. To get seen, based on on-line gossip, you’ll have to cost between $250,000 and $450,000 per 12 months in your present Amex playing cards. (A mere $20,000 per 30 days!)

However, as of April 2020, you can even get Amex’s consideration by requesting an invitation to use, in case you’re already an Amex cardholder.

After receiving your coveted invitation, you’ll pay an “initiation charge” of $10,000 within the U.S., plus an annual charge of $5,000.

You then’ll qualify for a slew of advantages, together with:

  • 1X Membership Rewards level per greenback spent; 1.5X on purchases over $5,000
  • 24/7 private concierge program, which might get you tickets, reservations, and who is aware of what else
  • Elite standing at Delta Airways and a number of other lodge and automotive rental chains
  • Entry to Centurion and Precedence Go lounges, together with a number of different lounge manufacturers
  • Complimentary Equinox and CLEAR memberships
  • Personal Suite membership at LAX
Insider tip

Questioning what that concierge can do? There are stories that an Amex worker traveled by bike to the Lifeless Sea to snag a handful of sand, all as a result of a cardholder’s youngster wished it for a faculty challenge.

You may know this unique bank card because the Palladium card. Although it nonetheless contains palladium in its composition, the financial institution just lately rebranded this card to the “Reserve.”

To snag an invitation, you could allegedly have a minimum of $10 million in holdings with J.P. Morgan’s personal financial institution. (Being President Barack Obama doesn’t harm both.) The cardboard’s annual charge is $595.

Listed here are its advantages, which look similar to the Chase Sapphire Reserve card within the subsequent part:

  • 10X Final Rewards factors per greenback on Lyft rides; 3X factors per greenback spent on journey and eating; 1X on every little thing else
  • $300 annual journey credit score
  • Excessive-quality journey protections and insurance coverage
  • Visa Infinite advantages, which embrace 24/7 concierge providers, lodge and automotive rental upgrades, Precedence Go entry, and a $100 World Entry (or TSA PreCheck) utility charge credit score

Citi Chairman

Citi Chairman Card.

Citi Chairman Card. Picture credit score: Luxurylaunches

As with most invite-only playing cards, now we have few concrete particulars about this black piece of plastic from Citi. Most sources say you could use Citigroup’s personal financial institution to be eligible. To be trustworthy, it’s most likely a type of issues the place if it’s a must to ask, you don’t qualify.

Rumored perks embrace a $300,000 credit score restrict, entry to members-only occasions, a 24/7 concierge (after all), and airport lounge entry. Its annual charge is supposedly solely $500 — a discount in comparison with the others.

Dubai First Royale Mastercard

The Dubai First Royale Mastercard.

Dubai First Royale Mastercard. Picture credit score: Dubai First

No checklist of probably the most unique bank cards can be full with out the Dubai First Royale Mastercard, which is trimmed in gold and has a .235-carat diamond on the entrance. Based on the financial institution’s web site, it’s “desired by many however attainable by solely a choose few.”

To get invited, chances are you’ll have to reside within the UAE, and also you most likely want a excessive internet value. You’re additionally welcome in case you’re a member of the UAE royal household. Whereas it touts its lack of a pre-set spending restrict, the one listed profit is a “way of life supervisor” who acts as your private concierge, getting you, properly, no matter you’ll be able to consider.

As one of many financial institution’s executives promised: “You ask for the moon and we attempt to get it.” The initiation charge is reportedly 7,000 UAE Dirham, which equates to roughly $2,000 U.S.

Stratus Rewards Visa

Stratus White Card.

Stratus White Card. Picture credit score: Enterprise Wire

In case you don’t have your individual personal jet (you pauper!), this “white card” may be the one for you. It’s rumored you could spend a minimum of $100,000 per 12 months to nab an invitation. When you’re in, the annual charge is $1,500 — and you may redeem your rewards for flights on personal jets or different constitution flights.

One other fascinating characteristic, based on rumor, is which you could pool your factors with pals, which means you may all chip in on a non-public jet trip collectively. (P.S. The place do we discover pals like that?)

The three Most Unique Credit score Playing cards You Can Really Apply For

Nonetheless ready to your invite to one of many playing cards above? (Don’t fear, so are we.)

Within the meantime, take into account making use of for considered one of these luxurious bank cards. Whereas prestigious, additionally they welcome purposes from most of the people. Upon approval to your card of selection, you’ll take pleasure in a strong rewards program and quite a lot of useful perks and journey advantages.

  • Earn 75,000 Membership Rewards® Factors after you spend $5,000 on purchases in your new Card in your first 6 months of Card Membership.
  • Earn 10x factors on eligible purchases in your new Card at U.S. Gasoline Stations and U.S. Supermarkets, on as much as $15,000 in mixed purchases, throughout your first 6 months of Card Membership. That’s an extra 9 factors on prime of the 1 level you earn for these purchases.
  • Take pleasure in Uber VIP standing and as much as $200 in Uber financial savings on rides or eats orders within the US yearly. Uber Money and Uber VIP standing is obtainable to Primary Card Member and Extra Centurion Playing cards solely.
  • Earn 5X Membership Rewards® Factors for flights booked instantly with airways or with American Specific Journey. Beginning January 1, 2021, earn 5X factors on as much as $500,000 on these purchases per calendar 12 months.
  • 5X Membership Rewards® Factors on pay as you go accommodations booked with American Specific Journey.
  • Take pleasure in complimentary entry to the World Lounge Assortment, the one bank card airport lounge entry program that features proprietary lounge places all over the world.
  • Obtain complimentary advantages by American Specific Journey with a median complete worth of $550 with Wonderful Resorts & Resorts® program at over 1,100 properties . Be taught Extra.
  • Stand up to $100 in assertion credit yearly for purchases at Saks Fifth Avenue in your Platinum Card®. That’s as much as $50 in assertion credit semi-annually. Enrollment required.
  • $550 annual charge.
  • Phrases Apply.

American Specific is a Credit score Card Insider advertiser.

So it’s not fairly black, however it’s nonetheless fairly shiny. The Amex Platinum card comes with a spread of journey perks — and in contrast to the Black card, you don’t have to attend for an invite.

It earns factors at most accommodations and airways, and comes with a helpful $200 in Uber credit per calendar 12 months. It additionally has glorious airport lounge entry: You’ll have the ability to use greater than 1,000 lounges in 120 international locations, together with Centurion and Precedence Go, and Delta Sky Golf equipment when flying that airline. (That is virtually pretty much as good because the lounge entry supplied by the Amex Black card!)

  • Annual charge: $550 (Charges & Charges)
  • Introductory bonus: 75,000 bonus factors for spending $5,000 within the first 6 months; 10X factors on eligible purchases at U.S. Gasoline Stations and U.S. Supermarkets, on as much as $15,000 in mixed purchases, within the first 6 months
  • Rewards: 5X factors per greenback on flights booked by the airline and flights and pay as you go accommodations booked by Amex Journey (beginning 1/1/21, on as much as $500,000 spent per calendar 12 months) ; 2X on different Amex Journey purchases; 1X on every little thing else
  • Perks: American Specific World Lounge Assortment entry, lodge elite standing, 24/7 concierge, as much as $200 in annual Uber credit, as much as $100 in annual Saks credit

Not solely will this metallic journey card flip heads, it’ll additionally earn phenomenal rewards. It earns 3X factors per greenback on journey and eating, which is likely one of the highest charges round. It additionally comes with a Precedence Go Choose membership, and a $300 journey assertion credit score that may possible cut back your realized annual charge to only $250.

  • Annual charge: $550
  • Introductory bonus: 60,000 bonus factors for spending $4,000 within the first 3 months after account opening
  • Rewards: 10X Final Rewards factors per greenback on Lyft rides, 3X factors per greenback on journey (after utilizing the complete $300 journey credit score) and eating; 1X on every little thing else
  • Perks: $300 annual journey credit score, Precedence Go entry, 50% bonus when redeeming by the Chase Final Rewards journey portal, switch factors to accomplice airways and accommodations, main automotive rental insurance coverage; $60 annual DoorDash credit score and membership
  • Buy APR: 16.99%-23.99% Variable


You may’t deny this is likely one of the prettiest playing cards obtainable: It’s product of stainless-steel and plated with 24-carat gold. Its seems to be, nevertheless, might not make up for its outrageous annual charge. In case you’re searching for a luxurious card that pulls its weight, we’d suggest one of many two playing cards talked about above.

Nonetheless need to go for gold? Right here’s what you could find out about this card:

  • Annual charge: $995
  • Introductory bonus: N/A
  • Rewards: 1 level per greenback spent, redeemable for $0.02 every for money again or airfare
  • Perks: 100% level bonus when redeemed for airfare or money again, $200 annual airline credit score, $100 World Entry (or TSA PreCheck) utility charge credit score, concierge service, Precedence Go entry, luxurious presents and subscription to LUXURY MAGAZINE
  • Buy APR: 14.99% Variable

The Mastercard® Gold Card™ is the highest-end card provided by Luxurious Card, which presents three metallic rewards playing cards. The opposite two are the Mastercard® Black Card™ (Overview) and the Mastercard® Titanium Card™ (Overview).

Are You Prepared for an Elite Credit score Card?

Whereas the playing cards within the earlier part aren’t just for the likes of Woman Gaga, they nonetheless have stringent utility necessities.

To qualify, you’ll want glorious credit score scores and a robust revenue. So, earlier than making use of, examine your credit score scores and credit score stories to be sure to’re an excellent candidate. It’s also possible to see in case you’re pre-approved for any bank card presents (chances are you’ll discover a luxurious card ready so that you can apply!). In case your scores aren’t but as much as par, construct your credit score with different bank cards first.

Since these luxurious playing cards additionally include excessive annual charges, run the numbers to make sure you’ll get sufficient worth out of your chosen card.

And regardless of which of the greatest bank cards you apply for, all the time use it responsibly. You’ll by no means get to Black-card standing in case you’re deep in Platinum-card debt.

Regularly Requested Questions

What bank cards are the toughest to get?

Much more prestigious than your on a regular basis premium playing cards, a choose few bank cards can be found solely by invite to the richest of the wealthy.

The toughest-to-get bank cards embrace:

  • Centurion® Card from American Specific (Overview): Invite-only (however you’ll be able to request an invitation), no clear monetary necessities, $10,000 initiation charge, $5,000 annual charge; perks embrace a meager rewards program, airport lounge entry, and a legendary concierge
  • J.P. Morgan Reserve Card (Overview): Invite-only, should reportedly have a minimum of $10 million managed by J.P. Morgan Personal Financial institution to obtain an invitation, $595 annual charge; perks embrace journey and eating rewards, a $300 journey credit score, and Visa Infinite advantages
  • Citi Chairman: Invite-only, should reportedly use Citigroup’s personal financial institution to qualify, reported $500 annual charge; rumored perks might embrace a $300,000 credit score restrict, airport lounge entry, and concierge service
  • Dubai First Royale Mastercard: Invite-only, should reportedly reside within the UAE and have a excessive internet value, reported 7000 UAE Dirham (roughly $2,000 or so) annual charge; perks embrace no preset spending restrict and a “way of life supervisor”
  • Stratus Rewards Visa: Invite-only, requires an invite from a present cardholder or a Stratus Rewards accomplice, reportedly requires $100,000+ per 12 months in annual spending, $1,500 annual charge; perks embrace rewards that may be redeemed for personal flights and the rumored capacity to pool rewards with different cardholders

What’s the most costly bank card?

The Centurion® Card from American Specific (Overview) is usually thought of the most costly bank card; it expenses a $10,000 initiation charge and a $5,000 annual charge. It’s solely obtainable by invitation.

The Mastercard® Gold Card™ (Overview) is the priciest card that anybody can apply to due to an annual charge of $995. However whereas the Gold card catches the attention with its shiny metallic floor and heavy weight, you’ll possible profit extra from a lower-priced premium card, just like the feature-rich Chase Sapphire Reserve® (Overview) or The Platinum Card® from American Specific (Overview).

What bank cards do millionaires and billionaires use?

A number of notable figures recognized for his or her wealth keep away from bank cards altogether. However, naturally, that doesn’t apply to each wealthy individual. In case you’re utilizing your bank cards responsibly and paying them off month-to-month, why wouldn’t you bounce on the probability to earn rewards for stuff you’re going to purchase regardless?

It’s straightforward to imagine that the majority wealthy of us follow storied luxurious playing cards, just like the Amex Black Card. And in lots of circumstances, that’s true. Take billionaire investor Liu Yiqian for instance. In 2015, he used his Centurion card to buy a single portray — Amedeo Modigliani’s “Reclining Nude” — for the gargantuan value of $170.4 million.

It’s unlikely that you simply’d have the ability to cost a purchase order of that caliber to a standard bank card, even in case you’re pretty properly off. So unique playing cards that cater to the world’s elite are notably helpful for people with tens of millions to throw round on the drop of a hat.

However then there are folks like social media skilled Natalie Zfat, who go for extra attainable premium bank cards. Whereas Zfat as soon as had the Centurion card, she finally dropped all the way down to the American Specific Platinum, noting the way it had “all the advantages she wanted” (its advantages embrace airport lounge entry, free elite lodge statuses, and varied assertion credit) for a fraction of the worth.

For charges and costs of The Platinum Card® from American Specific, please click on right here.

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